A lot of people in my area do good work with the XD platform. The only negatives I have found are, in the 45 acp platform they absolutely choke on semi-waddcutters. This I have personally experienced when trying an employee's gun with my ammo. At the time I was choosing between the XD or M&P platforms to replace my ultra high round count 645 as my IDPA CDP gun. The way the magazine presents the next round to the chamber causes the empty case to catch on the semi-wadcutter's shoulder preventing the empty case from ejecting. If you don't ever want to shoot semi-waddcutters this isn't an issue but at the time 200 grain SWC were my preferred load making the XD a no go for me.
The only other issue I have personally witnessed was in a sanctioned match where a fellow squad member's XD kept choking. David Olhasso who was also on our squad pointed out a broken pin, I don't remember which. He also remarked that it is a common breakage. Since Dave has won at least one National Championship with the XD before moving to S&W I'll take his word for it being a problem. Springfield may have addressed the issue by now.
As long as you keep these two things in mind I think the XD is a very shootable platform. My take on the pin issue is that it is a routine maintenance issue. Change the pin like you would springs you should be golden. In fact one of my sons has 2 XDs, a XD40 subcompact and a XDM 5.25 in 9mm both of which he loves.